Moderate Shoulder Pain... OPINIONS PLEASE!

Just coming off a Epistane Cycle... in the middle of my PCT. My "drive" to work out isn't as high, but surprisingly, my strenth is still up there!

Anyways... i think i hurt my shoulder a bit! It was either doing incline dumbell presses OR when doing close grip (v -bar) pull downs for my back earlier this week!

I noticed an irritation when doing the incline dumbbells.... but nothing that stopped me from training. Just a slight nagging feeling int he front/top portion of my right shoulder. When i was doing back a day or two later, i was on my last set of close-grip pull downs wiht pretty heavy weight... and when i let the weight back up, i felt my shoulder sorta roll and a sharp pain where it had been nagging me the day before...

Since then, the pain gets worse and worse. I didn't work out Sat or Sun... and today is chest day again...

QUESTION IS: Should i do a light chest workout (its chest day) and STOP when/if i feel discomfort?! My buddy said maybe i should take a full week off and REALLY try to get the inflamation down and the pain to go away... but if it IS a tear, what good is a week gonna do?!

I feel like i could do exercises that will work out my chest, and only cause a little discomfort. A part of me wants to just suck it up and train anyways.. but i DO NOT want to be out for a while by doing something stupid and training on a hurt/possibly torn shoulder! I DO NOT have the money or the insurance to go see a doctor.... THEREFORE.. if you recommend i take the week off and play it "safe"... what would you recommend to help ease the pain and help it heal quicker?